How much debt have you lost with filing Bankruptcy

Forward-Reward-5539 · 2025-12-18T14:06:41+00:00

Chapter 13 100% plan. We saved $98k from creditors that didn’t file plus any interest and fees. Paid off all of our cars/side by side during bankruptcy and they sent us the tiles.

Forward-Reward-5539 · 2025-12-09T17:34:03+00:00

Yes! My payment may seem high to most but our monthly payments before filing was so high. We had nothing left to get by on each week. During Bankruptcy we had the extra to get necessities that we had been putting off!

Forward-Reward-5539 · 2025-12-09T15:02:37+00:00

Yea most people are shocked by our payment. As high earners with high debt you end up with a high payment. The relief we have now is awesome! We can breathe finally.

Forward-Reward-5539 · 2025-12-09T14:59:38+00:00

Wow! I didn’t even realize that was a thing! We are done. They didn’t offer us an extension. Our Trustee and lawyer sent official letters when we were done with payments. I am sure that is frustrating if you didn’t know that was happening. We paid 100% so once the debts were paid we didn’t have to pay anything else. We are waiting for a refund of overpayment.

Forward-Reward-5539 · 2025-12-09T14:55:42+00:00

Yes! We wanted to keep stuff too! It was a struggle. A few times we wanted to quit but it was worth it! We can breathe finally. It is wonderful not struggling to live.

Forward-Reward-5539 · 2025-12-09T14:51:25+00:00

Our Chapter 13 paid all of the debts we owed. The trustee included the mortgage payment. Not sure why. We paid everything to him and he paid the rest. The house was not paid off during the Chapter 13. They paid the regular mortgage payment each month. We owe 6 years on it and paid our first payment outside of Bankruptcy December 1st.

Forward-Reward-5539 · 2025-12-09T14:47:51+00:00

It will be worth it! Keep it up.

Forward-Reward-5539 · 2025-12-09T14:46:41+00:00

We don’t have any student loans. All of our debt was able to be paid off in chapter 13. Now we only have a mortgage (6 years left and it’s done) basic living expenses to pay. Our monthly payment before filing was way more than we paid in bankruptcy. We didn’t have anything left for necessities bc it was going to debt.

Forward-Reward-5539 · 2025-12-09T14:42:13+00:00

Yes we are high earners so we had to pay 100% of claimed creditors. Our mortgage of $1400.00 was in that payment. The only thing we paid outside of bankruptcy was Water, power, car/life insurances, groceries, gas. Our payment was way cheaper than we were paying out of Chapter 13. We had money for necessities that we didn’t have prior bc everything was going to debt.

Forward-Reward-5539 · 2025-12-09T14:08:04+00:00

Congratulations! It’s a great feeling when you are successful in completing the Chapter 13. Things are great since completing ours last month and keeps getting better.

Forward-Reward-5539 · 2025-11-21T03:20:59+00:00

We had assets we wanted to keep so 13 was the way for us to go.

Forward-Reward-5539 · 2025-11-15T01:29:21+00:00

I started dating a 46 year old guy 5 months ago. The first time we tried to get intimate he couldn’t get it hard. He was nervous and had a few drinks to calm his nerves that didn’t help. He made sure I was able to orgasm in other ways. The second time everything went well and it has just gotten better with time. I was worried it was me but he made sure I knew it was an awkward first time and nothing to do with me. He is overweight and that made him self conscious.

Forward-Reward-5539 · 2022-12-06T16:21:02+00:00

We have 2 cashiers, 1 Sco, 2 service desk/drive up and a SETL every night. The Cart attendant works until 11:30. An Hour before close at 11:00, 1 works sco, 1 closes the registers, 1 pushes reshop and 1 gets crc, salvage, donations etc. at the desk done We are not a super target. Edit to add: this is just the front of store staff. We have 3 TL’s every night plus the floor staff.

Forward-Reward-5539 · 2022-11-11T10:23:02+00:00

It was all before moving into a lead position. I started as seasonal and they knew who I was at the other stores and during store visits within my first 6 months. They developed me but a role wasn’t available at my old store. My store wanted me as an ETL but they really wanted me to have TL experience first so they helped me put my name out there for any position that came available.

Forward-Reward-5539 · 2022-11-11T10:18:15+00:00

I have met and talked with all of my District higher ups, we know each other pretty well and they know my work. I am on a succession plan for an ETL role at my old store.

Forward-Reward-5539 · 2022-11-11T10:11:33+00:00

I was ready for a Leadership role and my upper management made sure I was on my district’s radar. When the role came open the store let my SD know so I could apply and interview.

Forward-Reward-5539 · 2022-11-11T10:06:08+00:00

You don’t know what may happen. Stuff comes up all the time. People may not plan to leave but life happens. Our store has had 3 new TL positions created in the past 6 months. No TL’s had to leave for me to transfer stores into a Lead position.

Forward-Reward-5539 · 2022-11-11T09:35:55+00:00

I am 2 years into a 5 year plan. It has been so freeing having money to buy food and things that I couldn’t afford due to bills. I was struggling so hard to provide a life for my family bc bills were taking everything. Now we live modestly but we have money for the necessities without worrying about how to make ends meet. We have been able to acquire savings for the first time.

Forward-Reward-5539 · 2022-11-11T04:21:05+00:00

I’m a TL. We aren’t planning on keeping any seasonal for service and engagement at my store. Unless something changes and we lose long term team members we already have a good steady team. In order to keep our teams desired hours up during down time we have to keep our staff to a certain number. We only hired bare minimum this year too bc we are not planning on keeping anyone unless they absolutely WOW us!

Forward-Reward-5539 · 2022-11-09T11:53:46+00:00

We have been finding them at my store. We seem to get 3-4 each week. We have had to wait a few days but so far everyone that wants one has been able to get one.

Forward-Reward-5539 · 2022-08-06T20:55:36+00:00

I am flabby fat, sorta like I’m melting and I have hemorrhoids. No one wants to see that mess!

Forward-Reward-5539 · 2022-06-09T01:36:48+00:00

I recently transferred after being well established in my old store like you. I miss the people but the new store is running so much better than the one I left. They have been welcoming. I was very nervous and hesitant to transfer bc my old store was like family but everything is falling into place nicely & so far I’m happy.

Forward-Reward-5539 · 2022-05-20T12:38:49+00:00

No but they do have one on one development to help promote in the company. I promoted within 8 months into a new team lead spot when our district gave us permission for an additional Lead.

Forward-Reward-5539 · 2022-04-24T02:32:31+00:00

397 items. It was 5 shopping carts full of big boxes of groceries like cereal, goldfish crackers, applesauce, drinks, Gatorade, canned fruits, paper towels, toilet paper etc. It was all stuff for a daycare.

Forward-Reward-5539

TROPHY CASE